Maclear / Getting Started / About Maclear / How to make your first investment on Maclear: step-by-step walkthrough

How to make your first investment on Maclear: step-by-step walkthrough

2026. 06. 04.

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Before investing, make sure you have completed KYC, Proof of Address (POA), and deposited funds into your account.

  1. Go to the Projects section and browse available opportunities on the primary market.
  2. Open a project page to review the details: interest rate, loan term, borrower profile, risk score, and repayment schedule.
  3. Enter the amount you want to invest (minimum €50) and click Invest now.
  4. Confirm the transaction in the pop-up window.

Your funds immediately move to Reserved status. Once the project reaches its full funding target and transitions to Funded, interest begins to accrue according to the repayment schedule. Interest payments are typically made monthly.

After your first investment, you will receive Form A to sign via email. This is a one-time document confirming you are the beneficial owner of the invested funds. Once signed, all further investments, AutoInvest, and full platform access are unlocked.


관련 문서

What documents does a company need to register on Maclear?

Maclear company verification (KYB) requires three documents submitted upfront: the company representative's passport or national ID, an extract from the commercial register confirming the right of representation or signatory authority, and the company registration number with registered address. Documents are sent to support@maclear.ch — the team guides you through the next steps.

How to start investing on Maclear: step-by-step registration guide

Maclear registration takes a few minutes. Create an email-based account, complete KYC through Sumsub (passport or national ID), upload Proof of Address, deposit from €50 via SEPA, and place a first investment. Then sign Form A — a one-time beneficial-ownership declaration — to unlock AutoInvest and full platform access.

P2P investing glossary: key Maclear terms explained

A glossary of more than 40 terms used across the Maclear platform and the broader P2P crowdlending ecosystem: APR, AROI, LTV, KYC, KYB, Form A, Provision Fund, Risk Scoring (AAA–D), Secondary Market, Sumsub, SEPA, USDC, Proof of Loan, smart contracts, and more. Each term is defined in plain language with links to detailed explainers where available.

Minimum investment amount on Maclear: how much do you need to start?

The Maclear minimum investment is €50 on the Primary Market and €30 on the Secondary Market. There is no minimum account balance required between investments. With €50 you can fund a single project; with €500 you can spread across ten projects — which is also the threshold for Maclear's Loyalty Bonus programme.